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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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blemain, harpmanor and monarch HELP EVICTION NOTICE!


jimmyq
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hi guys ive been reading the forum for a few days trying to understand, gain knowledge and seek help must say its very informative thanks

 

Anyhow i took out a secured bridging loan with harpmanor for the sum of £105,000 back in 2007 cutting the long story short my intentions were to pay it back within 6 months but due to a death in the family i could'nt repay it.

After the death i fell ill and fell behind on payments one thing lead to the other i got an eviction letter etc anyhow i managed to borrow some money and pay off the arrears then.

 

Now i have the same problem as the interest rate they are charging me is over 20% and the installments are £2500 per month i cant afford it :(

 

Anyhow in total out of the £105,000 ive paid back £41,947 but still they want £138,000 as a settlement figure :confused:

 

Ive got a notice of eviction for the 25th of february 2010 and ive spoke to harpmanour who are saying they will put a stop to it if i pay the arrears of £8500.

 

But i want to clear this off and have £100,000 ready to pay them is there anyway i can get them to reduce the redemption figure? ive spoke to them they are saying i have to pay the full amount to clear it!

 

Eventhough ive paid them nearly half the money back i dont want to give them this 100k and still be stuck with them is there anyone i can contact to help me get these twats off my back?

 

anyadvice will be appreciated

thanks!

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  • 7 months later...

hi guys in 2007 i sadly took out a secured bridging loan for the sum of £105,000 with harp manor/blemain finance/lancashire mortgages and god knows what other names they run under.

anyhow the loan term was for 12 months originally but due to change of circmstances and my mother passing away etc i fell behind with the payments and could not pay the loan back on time

one thing led to the other and my finances were all over i fell ill with severe depression and anxiety

 

anyhow upto date all in all i have paid back £125,000 over the years as i got all my statements together and tallied it all up so i requested a settlement figure so i can somehow end this frustration as the interest rate they are charging is 24%

 

the settlement figure they sent me was £49k + charges which worked out to be £70k in total i spoke to the company and customer services regarding this they have told me to write to the managing director regarding the settlement figure and see if he can reduce it

 

all in all ive had 2 eviction notices off them and the courts but i borrowed the money to pay them and cancel the evictions but i really need to get out of this mess

 

I have misplaced the settlement statement so i cant put the charges etc on here until i get another copy which i have requested

 

do you think i have any chance with reducing this figure ( i know you will have a better idea when i show you the charges etc) if so am i best writing to the md and are there any templates i can use etc or solicitors i can get involved to reduce the money

 

i have equity in my house which i can remortgage but not £70k

 

please advice me out of this mess

 

thank you

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i got my new settlement BREAKDOWN statement through

 

balance outstanding = £51,015.35 (gone up another 2k :( )

add redemption Admin Fee £295.00

add interest in accordance with agreeement £2047.50

ADD harpmonaor Limited Administive Costs £4456.50

ADD Renewal FEE £10,500

ADD cantor law limited litigation fees on redemption £1658.00

ADD VAT ON LEGAL COSTS £290.00

ADD warant fees £190.00

ADD BANK TT FEE £35.25

ADD HM LAND REGISTRY FEE £6.00

 

TOTAL = £70493.75 :( :(

 

THATS AFTER BORROWING 105K AND PAYING BACK £125K STILL THEY WANT £70K

 

any advice on this please?????

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What's this ???? ADD Renewal FEE £10,500

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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ADD Renewal FEE £10,500 i dont know thats what it says on the statement they have sent me :???:

 

anyone have an idea what it is or whom i can contact regarding all these charges to see if i can get them reduced some how

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Hi, you need to write (by recorded delivery) asking for an explanation of the charges - they seem outrageous. If you need help with the letter, please let me know and I'll draft one for you.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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hi thank you for your reply if possible can you draft me one up so i can send to the managing director maybe he will explain the charges aswell as reduce the figures as ive paid that back the loan aswell as 20k ontop :( thank you very much its much appreciated as im in alot of stress

thanks

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Hi there, I will post a draft letter up shortly.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi there, affixed is the draft letter. When you have put the addresses in make sure the letter stays all on one page before printing it out.

 

Send by recorded delivery, keep a copy of the letter for yourself. A few days after posting check on the royalmail website to print off the signature receipt - staple this to your copy of the letter and keep in a safe place. It's a good idea to start a file with all the paperwork relating to Belmain filed in date order - you can get plastic files quite cheaply these days.

 

Hope this is helpful.

 

Ell

Jimmyq letter.doc

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Send it to who the lady on the phone advised. I wouldn't make them an offer until you get a reply to the letter - you need to know what the renewal fee is.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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  • 2 weeks later...
iphone the

 

Hi jimmyq

 

If i can help in any way feel free to ask.

The first thing to do is send them a subject access request, find out how much they have added to the account in charges.

 

 

 

hi thanks for the offer this is my problem with them

 

I originally borrowed £105k off them briding loan for 12 months but due to some family problems i could'nt pay it off within the contract time.

Anyhow all in all i have paid them over £120k back but still they want

 

balance outstanding = £51,015.35

ADD redemption admin Fee £295.00

ADDinterest in accordance with agreeement £2047.50

ADD harpmonaor Limited Administive Costs £4456.50

ADD Renewal FEE £10,500

ADD cantor law limited litigation fees on redemption £1658.00

ADD VAT ON LEGAL COSTS £290.00

ADD warant fees £190.00

ADD BANK TT FEE £35.25

ADD HM LAND REGISTRY FEE £6.00

 

TOTAL = £70493.75

 

I have my own thread on the forum but i cant post a link to it as it wont allow me to due to less posts sorry

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still awaiting a reply they have recieved the letter according to royal mail it was delivered on the 30th of september. ill give them till next week if i dont get a reply what will my next step be or is it a dead end for me :(

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hi jimmy

Phone these

Financial Ombudsman Service

Explain what is happening to them they will give you advice and may take this on.

Research the unfair relationship it apply to this agreement.

Taking this on your own is a lot of work there is so much rules and regulations and laws that you will need to know and be able to argue in court that this will consume all your free time

So if you can get help take it look up no win no fee solicitors, FOS

I will post up a list of things for you to read, what you have to do then is look thro them and make a list of what they are doing that you think is wrong and why it is wrong. That is your starting point.

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hi thanks for the replys ive got an appointment with a solicitor tommorow morning as for the contract ive lost my copy of it and requested it over the phone several times but they are not sending me it :(

i originally took the loan out in 2007 thanks for all your help guys its much appreciated i dont know qwho to turn to your all i have guys thanks!

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ive found an old letter from my solicitrs which has a copy of the agrrement " i think"

at the bottom it says "the borrower has no right of cancellation under the consumer credit act 1974,the timeshare act 1992 or the financial services (distance marketing) regulations 2004. the lenders main business is secured lending and holds a consumer credit licence no 187588 issued by the oft"

 

if this means anything?

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JIMMY IF I CAN HELP IN ANY WAY I WILL

But I am not legally qualified and what I and others on this site say should not be taken as blindly.

Google the following and start your list of what they are doing wrong

When you know that what they are doing wrong then you can set about putting it right.

And if like me you are feeling like a victim once you know your rights then no more victim

Then you feel like a tiger looking for a fight. And boy don’t this feeling make you sleep better

The unfair relationships provisions

Irresponsible lending – OFT guidance for creditors

(OFT) Debt Collection Guidelines

Unfair contract terms guidance

Blemain Finance v Bentley

 

Consumer Protection from Unfair Trading

 

 

I will keep an eye on this post so post up what the solisotor says

 

But tell hin to look into the unfair relationship test.

 

 

Wp3

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ADD harpmonaor Limited Administive Costs £4456.50

 

this company has the same address as blemain

 

 

it is nice to se that some of their fees are legitimate

 

ADD BANK TT FEE £35.25

ADD HM LAND REGISTRY FEE £6.00

 

the rest are just profiteering

Edited by welshperson3
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